I switched to a new credit card (closing my old account) but I forgot to update my online bill payment and made one large payment for my new Mastercard to the old Mastercard account run by Capital One. Even though I recognize my mistake, they took the payment without any notification, to a card and account that are closed without saying anything. When I discovered my mistake I have taken action with my bank but they cannot do anything other than request a refund and launching an investigation. I have been on hold with for 6.5 hours yesterday with no results and am currently already on hold for 4.5 hours again. No communication is possible via Twitter or email. I still do not have my money back.
HBC MASTER CARD Consumer Reviews
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The horrible transition of the HBC MASTERCARD TO NEO. I too had a credit balance due to returning shoes to the Bay as my size was not available. I had an approximate $226.00 credit and requested it to be refunded back to me as a mailed cheque or an e transfer. The callback time is over 2 hours to only learn from the manager Tiffany that it cannot be done and I must purchase goods of at least $226.00 in order to zero out the balance??? Absurd! Clearly based on that I requested to close the card to only be told I could not re-apply for who knows how long??
Was it not my money???
It was escalated to Corporate and they verified it was a gross error on the communication of the associates and manager and that the refund could have been processed without an account closure. No anticipated time frame as to when I can re-apply and every credit application affects a person's credit score.
In addition, I was granted an 8k limit which I wanted to reduce and could not as they said they could neither increase nor decrease credit limits. As one knows, having open credit is a security risk these days, affects the ability to get and negotiate mortgage rates, leaves an opportunity for fraud.
Ask for a request to see if the NEO HBC card shows on Equifax or Trans Union Credit Bureaus and it appears not to.
In addition issues with linking your rewards card to the credit card and several Point of Sale issues when transacting.
To top it all off, the card is backed by Alberta Treasury Bank ATB financial and created by the owners of Skip the Dishes.
I was an HBC credit card owner for over 30 years. Now I cannot take advantage of the rewards associated with the Master Card
Be vary very mindful of all of this please before applying or accepting the transition as there is no other credit card or non-credit card affiliated with HBC
I have the Neo Bay MasterCard. Due to a problem, I had to overpay my account despite knowing this refund was coming. I did this to avoid interest in their error. I now have credit and contacted them for a refund as I do not plan to use this card any time soon. I was told they do not offer refund cheques or money transfers to bank accounts. So once they have your money, it’s theirs! Won’t be using this card ever!